​                                                     Strategic Retirement & Insurance Planning 
                                                         Cross Creek Office Reserve, 1650 Murfreesboro Rd. Ste.153
                                                                                   Phone: 615-519-2261 Fax: 615-250-0518


We are knowledgeable in income planning, social security options that affect the retiree and spouse, retirement plans including 503b, 401k 529 plans for children, buy/sell agreements, Medicare supplemental plans, Medicare Advantage plans, insurance with 1035 rollover options, term/UL/whole life insurance, and all types of annuities. Major medical and health care reform and it's effect on your  decisions are important in your planning.  We are able to provide individualized information during our FREE consultation.  Call our offices to schedule your appointment at 615-519-2261 
We represent multiple carriers with A ratings or better, who will make their best offer to protect you and your family.  Our agents can assist you to recognize and understand the choices which make the most sense for your situation.
Strategic Retirement & Insurance Planning Strategies is an office located in The Reserve at Cross Creek, 1650 Murfreesboro Rd., Ste. 153, Franklin, TN 37067.  It serves the middle Tennessee areas with workshops on financial literacy, women power & money, understanding your social security, and other timely issues for families of any age.

Our website-  is available with webinars on these timely subjects, live or recorded. 

 Contact us on either of our websites, or call us at 615-519-2261 to receive email notices when these events are scheduled.

About-Us
    Strategic Retirement & Insurance Planning Strategies
1650 Murfreesboro Rd.
 Ste 153
Franklin, TN 37067

  More  Americans are becoming  aware of the rising costs of burial, and are compelled to seek coverage, to compensate expenses,  when the time comes. It is very overwhelming for surviving family, to be burdened with the expense. We suggest you make financial arrangements through insurance now.

We have plans availible that don't ask that 'weight' question, don't require a physical with immediate coverage!

If you have enough wealth to 'self insure', you may need to offset the potential tax burden for your heirs.  Our information on this issue is current, with estate planning changes in the law, a comprehensive review would be of great value.

Call our offices at 615-844-6247 to schedule an appointment.
Ideas and information-
Joni B.
Ms. Joni has been working with our agent and sales director, Mr. Earl Hughes Jr.  She has accomplished security, and upside potential in the decisions she has made, with a great understanding and knowledge of how her portfolio works.
She's got control now, of her financial strategy and feels like she is going to have everything she needs for herself and her heirs.
Ms. Joni is happy to know that control has given her the peace of mind she needs.  We are happy is has given us the opportunity to serve that need.

   



Ms. Joni and Earl Hughes create a plan!
Mo & Mary are happy with their income.
Mo and Mary have been clients for years.  Their annual review helps them to retain control of their plan. They have told us that the additional income that we established through our income planning strategy, has made a major difference in their lives. It has enabled them to place their retirement dollars in a safe investment vessel that can defer  taxes and earn the best upside potential, in their retirement years, with additional income for long term care should they need it, through income doubling in the event of a loss of 2 of 6 ADL's (activities of daily living).

FEELING TIRED?

Most people can use more energy. But instead of grabbing a cup of coffee to feel more alert, your best bet might be to get moving.
Think that "no way", that moving more can be anything but exhausting? Researchers' say, "think again". By being physically active, instead of sitting and resting, you can cut your risk of feeling tired nearly in half. You may feel a bit fatigued after physical activity, but you'll have more energy at other times throughout your day.
Physical activity helps your body produce more endorphins, your brain's feel-good chemicals. Although this function is often referred to as a runner's high, other types of physical activity can help give you this feeling, too. Physical activity can also improve the way you sleep, which also can give you more energy during the day.
Are you ready to feel less tired? Start with these tips.
Increase the amount of physical activity you're doing.
If you're not currently active, start gradually by taking a walk around the block.
If you already have an exercise routine, think of ways to make it more challenging. Simply taking a short jog or bike ride at a low moderate intensity can affect how you feel and perform.
When it's break time at work, try stretching your arms, legs and back, instead of sitting at your desk.
* In just a few short sessions, you may start to feel the positive effects of physical activity. Try reducing fatigue with physical activity today!




How stress affects you physiologically

Sweaty palms. Butterflies in your stomach. An elevated heart rate. These are just some of the ways your body reacts to stress. But stress can affect your body-and your overall health-in other ways too.
The stress response, known as the fight-or-flight reaction, is your body's way of dealing with a potential threat. It prepares your body to fight against the threat or to flee from it. For example, a release of adrenaline increases your heart rate and blood pressure. It also boosts the amount of energy that's ready for you to use. The release of the stress hormone cortisol, increases the amount of sugars in your bloodstream. Cortisol also limits body function you don't need when you react to stress.
Your body usually returns to normal after a stress threat has passed. But if you're constantly stressed, your body's stress responses don't stop. This can damage your body over time. Stress has been linked to memory challenges, digestive problems, heart disease and a reduced ability to fight infections.
*Managing stress can help you improve your overall health - mentally, physically and emotionally.




How to prepare for surgery

If you need to have surgery, prepare ahead of time with these tips:

1 to 2 weeks before surgery
Have a physical exam if needed.
Ask what arrangement your should make. Will someone need to drive you home? Will you go home right after surgery, or will you go to a nursing home or a rehabilitation facility first? Will you need help when you get home? If you plan to fly home after surgery, keep your flight plans flexible in case you're discharged later than you expect. Some people stay at a hotel nearby; for a few days after they're discharged, to make sure they're ready to travel.
Make lifestyle choices for a successful surgery. Don't smoke, reduce how much alcohol you drink, manage your blood sugar if you have diabetes, and stay physically active.
Ask which medications and supplements you need to stop taking before surgery.

1 day before surgery
Make a list of medications and supplements you take regularly. Write how much you take and how often you take them. List any allergies you have.
Pack a bag if you have an overnight hospital stay. Pack only what you need. You may want undergarments, slippers and a robe; toiletries; books music or other items to help pass the time; and comfortable clothing to wear home. Bring your medication bottles with you. Leave jewelry and other valuables at home.
Fast as directed by your doctor. this includes not drinking alcohol or using tobacco products.

The morning of surgery
Bathe as instructed. You might need to use a special soap.
Remove jewelry, body piercings and nail polish.
Take morning medications as directed. Fast as directed.
Bring special equipment you may need after surgery. A cane, walker, eyeglasses, dentures and hearing aids are examples. If you have sleep apnea and use a device such as a CPAP machine, bring it with you to use during your hospital stay. Label your belongings with your name.
Bring your overnight bag if needed.
Bring important documents. These may include photo identification, insurance and pharmacy cards, a copy of your advanced directive or living will, information about any medical devices you use, a small amount of cash or a credit card, and contact information for people to call.

HEALTH CORNER         from  The Mayo Clinic